AI SUITE

Expand your platform. Not your complexity.

Launch new payment experiences and capabilities without building the infrastructure, integrations and operational workflows from scratch.

Explore the AI Suite

WHAT YOU CAN LAUNCH

Setu provides the infrastructure to expand your platform

Give your customers new ways to pay, travel and transact — while Setu handles the infrastructure underneath.

Soft green mountain ridge fading into a pale sky

A chat assistant fetching a BESCOM electricity bill through Setu Bharat Connect

AGENTIC BILL PAYMENTS

Turn bill payments into a conversation.

India's first AI-assisted bill payment experience, letting customers discover, understand and pay bills through conversational interfaces.

Conversational payments — customers ask what’s due and pay without navigating forms or menus
All bills in one view — bills pulled together automatically instead of users searching across apps
Proactive payment intelligence — flag unusual bill amounts before the payment happens
Controlled agent actions — payments operate within predefined limits and approvals
Voice and chat experiences — support both conversational and voice-led journeys
Built on Setu MCP — LLM agents access bill payment capabilities without custom integration per platform

Explore agentic bill payments

AGENTIC BILL PAYMENTS

Turn bill payments into a conversation.

India's first AI-assisted bill payment experience, letting customers discover, understand and pay bills through conversational interfaces.

Conversational payments — customers ask what’s due and pay without navigating forms or menus
All bills in one view — bills pulled together automatically instead of users searching across apps
Proactive payment intelligence — flag unusual bill amounts before the payment happens
Controlled agent actions — payments operate within predefined limits and approvals
Voice and chat experiences — support both conversational and voice-led journeys
Built on Setu MCP — LLM agents access bill payment capabilities without custom integration per platform

Explore agentic bill payments

Soft green mountain ridge fading into a pale sky, vertical crop

AGENTIC BILL PAYMENTS

Turn bill payments into a conversation.

India's first AI-assisted bill payment experience, letting customers discover, understand and pay bills through conversational interfaces.

Conversational payments — customers ask what’s due and pay without navigating forms or menus
All bills in one view — bills pulled together automatically instead of users searching across apps
Proactive payment intelligence — flag unusual bill amounts before the payment happens
Controlled agent actions — payments operate within predefined limits and approvals
Voice and chat experiences — support both conversational and voice-led journeys
Built on Setu MCP — LLM agents access bill payment capabilities without custom integration per platform

Explore agentic bill payments

METROQR

Bring metro ticketing into your platform.

Add metro QR ticketing without taking on the complexity of integrating with multiple metros, MRCs, settlement systems and ONDC APIs.

One API, every metro — integrate once instead of implementing 18–20 raw ONDC endpoints
Automatic metro onboarding — new metros become available without code changes
Orchestrated settlement — Setu manages differing T+0/T+1 requirements across MRCs
Standardised reconciliation — one reporting format and automated reconciliation across metros
One dispute stream — Setu manages MRC-side disputes and chargebacks
Built for the next metro — Setu absorbs upstream API, validation and QR logic changes

Explore MetroQR ticketing

METROQR

Bring metro ticketing into your platform.

Add metro QR ticketing without taking on the complexity of integrating with multiple metros, MRCs, settlement systems and ONDC APIs.

One API, every metro — integrate once instead of implementing 18–20 raw ONDC endpoints
Automatic metro onboarding — new metros become available without code changes
Orchestrated settlement — Setu manages differing T+0/T+1 requirements across MRCs
Standardised reconciliation — one reporting format and automated reconciliation across metros
One dispute stream — Setu manages MRC-side disputes and chargebacks
Built for the next metro — Setu absorbs upstream API, validation and QR logic changes

Explore MetroQR ticketing

METROQR

Bring metro ticketing into your platform.

Add metro QR ticketing without taking on the complexity of integrating with multiple metros, MRCs, settlement systems and ONDC APIs.

One API, every metro — integrate once instead of implementing 18–20 raw ONDC endpoints
Automatic metro onboarding — new metros become available without code changes
Orchestrated settlement — Setu manages differing T+0/T+1 requirements across MRCs
Standardised reconciliation — one reporting format and automated reconciliation across metros
One dispute stream — Setu manages MRC-side disputes and chargebacks
Built for the next metro — Setu absorbs upstream API, validation and QR logic changes

Explore MetroQR ticketing

MOBILE RECHARGE

Make everyday recharges part of your platform.

Give customers a fast, seamless way to recharge prepaid mobile connections, while Setu handles the infrastructure beneath.

One integration, multiple operators — connect to major mobile operators through a single recharge layer
Smart plan discovery — fetch the right operator and circle, then surface available plans
Real-time recharges — process prepaid top-ups instantly through a simple API flow
Built-in transaction visibility — track recharge status and outcomes in real time
Handle failures and reversals — status and reversal notifications through webhooks
Stay operationally ready — monitor wallet balance with low-balance and top-up alerts

MOBILE RECHARGE

Make everyday recharges part of your platform.

Give customers a fast, seamless way to recharge prepaid mobile connections, while Setu handles the infrastructure beneath.

One integration, multiple operators — connect to major mobile operators through a single recharge layer
Smart plan discovery — fetch the right operator and circle, then surface available plans
Real-time recharges — process prepaid top-ups instantly through a simple API flow
Built-in transaction visibility — track recharge status and outcomes in real time
Handle failures and reversals — status and reversal notifications through webhooks
Stay operationally ready — monitor wallet balance with low-balance and top-up alerts

MOBILE RECHARGE

Make everyday recharges part of your platform.

Give customers a fast, seamless way to recharge prepaid mobile connections, while Setu handles the infrastructure beneath.

One integration, multiple operators — connect to major mobile operators through a single recharge layer
Smart plan discovery — fetch the right operator and circle, then surface available plans
Real-time recharges — process prepaid top-ups instantly through a simple API flow
Built-in transaction visibility — track recharge status and outcomes in real time
Handle failures and reversals — status and reversal notifications through webhooks
Stay operationally ready — monitor wallet balance with low-balance and top-up alerts

WHY IT MATTERS

Turn new payment categories into new revenue opportunities

Expand your offering

Add high-frequency payment use cases your customers already need.

Expand your offering

Add high-frequency payment use cases your customers already need.

Increase engagement

Give customers more reasons to stay within your platform.

Increase engagement

Give customers more reasons to stay within your platform.

Launch faster

Go from category opportunity to live experience without building the entire stack.

Launch faster

Go from category opportunity to live experience without building the entire stack.

Keep your team focused

Setu absorbs integrations, operational complexity and ecosystem changes.

Keep your team focused

Setu absorbs integrations, operational complexity and ecosystem changes.

UNDER THE HOOD

Infrastructure that absorbs complexity as you scale

Multi-network connectivity

Connect to complex payment ecosystems through a single layer.

Multi-network connectivity

Connect to complex payment ecosystems through a single layer.

API-first infrastructure

Build directly into your existing product experience.

API-first infrastructure

Build directly into your existing product experience.

Settlement orchestration

Different networks. One operational layer.

Settlement orchestration

Different networks. One operational layer.

Automated reconciliation

Standardised reporting and real-time visibility.

Automated reconciliation

Standardised reporting and real-time visibility.

Dispute management

Handle exceptions without building separate workflows.

Dispute management

Handle exceptions without building separate workflows.

Observability built in

Monitor operational health, business outcomes and settlements.

Observability built in

Monitor operational health, business outcomes and settlements.

COMMON QUESTIONS

FAQs

How does mobile recharge work through an API?

A mobile recharge API lets businesses integrate prepaid mobile recharges directly into their app or platform. Setu connects to multiple mobile operators through a single recharge layer, allowing businesses to offer recharge without building separate integrations for each operator.

Can businesses offer online mobile recharge through their app?

Yes. Businesses can integrate mobile recharge into their existing customer experience and allow users to select an operator, choose a recharge plan and complete the payment without leaving the platform.

How can businesses add mobile recharge without integrating multiple operators?

Setu provides a single recharge layer that connects businesses to multiple mobile operators. This means businesses can integrate once rather than building and maintaining separate integrations for each operator.

Can customers check mobile recharge plans before making a payment?

Yes. Setu's mobile recharge infrastructure can fetch the relevant operator and circle and surface available recharge plans before the customer completes the transaction.

How does bill payment on WhatsApp work?

A WhatsApp bill payment journey can allow customers to interact with a business through chat, identify bills that are due and initiate payment from the conversation. Setu's AI Suite is positioned to bring payment experiences into conversational interfaces rather than requiring users to navigate forms and menus.

Can customers pay bills directly through WhatsApp?

Yes, if the business has enabled a WhatsApp-based bill payment journey. Setu's infrastructure is designed to support conversational payment experiences where customers can discover, understand and pay bills through chat.

How can businesses enable WhatsApp bill payment for their customers?

Businesses can use Setu's payment infrastructure to add bill-payment capabilities to conversational customer journeys. Instead of building the underlying integrations and operational workflows themselves, Setu provides the infrastructure layer underneath the experience.

Expand your platform. Not your complexity.

Setu provides the infrastructure to expand your platform

Turn bill payments into a conversation.

Turn bill payments into a conversation.

Turn bill payments into a conversation.

Bring metro ticketing into your platform.

Bring metro ticketing into your platform.

Bring metro ticketing into your platform.

Make everyday recharges part of your platform.

Make everyday recharges part of your platform.

Make everyday recharges part of your platform.

Turn new payment categories into new revenue opportunities

Expand your offering

Expand your offering

Increase engagement

Increase engagement

Launch faster

Launch faster

Keep your team focused

Keep your team focused

Infrastructure that absorbs complexity as you scale

Multi-network connectivity

Multi-network connectivity

API-first infrastructure

API-first infrastructure

Settlement orchestration

Settlement orchestration

Automated reconciliation

Automated reconciliation

Dispute management

Dispute management

Observability built in

Observability built in

FAQs

Bring new categories to your customers without infrastructure complexity